中国邮储银行xx市分行信贷风险管理研究(大摘要).doc
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中国邮储银行xx市分行信贷风险管理研究(大摘要),摘要信贷风险管理是现代商业银行经营管理的核心内容，信贷风险管理水平的高低直接关系到商业银行经营的成败。由于我国的商业银行信贷风险管理水平较为落后，《巴塞尔新资本协议》的内容必然对我国商业银行产生严峻的挑战。在借鉴国外先进信贷风险管理经验的基础上，提出了信贷风险的定义、特征、目标、管理程序和三大要素。通过分析商业银行的信...
内容介绍
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摘 要
信贷风险管理是现代商业银行经营管理的核心内容，信贷风险管理水平的高低直接关系到商业银行经营的成败。
由于我国的商业银行信贷风险管理水平较为落后，《巴塞尔新资本协议》的内容必然对我国商业银行产生严峻的挑战。在借鉴国外先进信贷风险管理经验的基础上，提出了信贷风险的定义、特征、目标、管理程序和三大要素。通过分析商业银行的信贷风险问题，为其构建预警模型，并提出相应的对策与建议，使银行的信贷风险尽量降到最低。
关键词 商业银行 信贷风险 巴塞尔新资本协议
Abstract
Credit risk management is a modern commercial bank's core content management, credit risk management level is directly related to the success or failure of commercial banks.
Because China's commercial banks’ credit risk management is lagging behind, "the New Basel Capital Accord," the contents are a severe challenge to China's commercial banks inevitably. Based on foreign experience in credit risk management, this article states the definitions, characteristics, objectives, management procedures and the three major elements of the credit risk. Analyzing the credit risk issues about commercial banks, build their early-warning model, and the corresponding countermeasures and suggestions to make the bank as far as possible to minimize credit risk.
Key words commercial bank credit risk
New Basel Capital Accord
信贷风险管理是现代商业银行经营管理的核心内容，信贷风险管理水平的高低直接关系到商业银行经营的成败。
由于我国的商业银行信贷风险管理水平较为落后，《巴塞尔新资本协议》的内容必然对我国商业银行产生严峻的挑战。在借鉴国外先进信贷风险管理经验的基础上，提出了信贷风险的定义、特征、目标、管理程序和三大要素。通过分析商业银行的信贷风险问题，为其构建预警模型，并提出相应的对策与建议，使银行的信贷风险尽量降到最低。
关键词 商业银行 信贷风险 巴塞尔新资本协议
Abstract
Credit risk management is a modern commercial bank's core content management, credit risk management level is directly related to the success or failure of commercial banks.
Because China's commercial banks’ credit risk management is lagging behind, "the New Basel Capital Accord," the contents are a severe challenge to China's commercial banks inevitably. Based on foreign experience in credit risk management, this article states the definitions, characteristics, objectives, management procedures and the three major elements of the credit risk. Analyzing the credit risk issues about commercial banks, build their early-warning model, and the corresponding countermeasures and suggestions to make the bank as far as possible to minimize credit risk.
Key words commercial bank credit risk
New Basel Capital Accord
